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I have about 3 credit cards which are all current at the moment. The 2 have small monthly payments and the 3rd has a monthly payment of over $250 a month.

Lately I've been feeling like I'm still stuck in the beginning. I try to pay more than what is due but each month when the bill comes, the monthly payments are still the same. I've been thinking about not paying this card anymore. I am fully aware of the consequences (phone calls, late fees, collections, etc). I've been thinking more and more about letting it go to collections. I feel that if I stop the payments, I can start saving and when that day comes, I can make settlement.

I've been talking to friends to get their story. One friend defaulted on 4 cards which she settled later. She said she never paid taxes and once she paid her credit went back up. I'm at a lost as to what really happens in the process. If I continue paying, then I will be digging us deeper in the hole.

I was reading about mystery shopping and I was wondering if it worth the time and money? Has anyone out that done this? Does anyone have any suggestions on where to start? I've been trying to look for something to do on the side but lately it's really hard to find anything that can fit into my schedule. Your opinion is much appreciated!

This is for all the parents out there. I wasn't aware of this until my friend told me today. There is a recall on children's Tylenol, children's zyrtec, and motrin. My 1 yr old came down with a fever last night and I gave him some Infant Tylenol drops twice. Since he still had a fever, I kept him home from daycare and I did my work from home. That's when my friend told me about the recall and sure enough my baby's medicine lot number was part of the recall. My son is still sick so I had to go out tonight to buy him the generic version (CVS brand).

If you need any more info on the recall and see if your bottle is part of the batch, check out this site -